These Terms of Use govern your use of ISuedMyInsuranceCompany.com, operated by ISMIC LLC (“ISMIC,” “we,” “us,” or “our”), a California limited liability company.
By using this website, you agree to these Terms of Use. If you do not agree with them,
do not use the website.
ISMIC — I Sued My Insurance Company — is an educational resource for California homeowners affected by wildfires who are deciding whether to sue their homeowners insurance carrier.
ISMIC provides practical information intended to help readers understand what may be involved in making that decision and, if they decide to sue, what may follow.
ISMIC is not a law firm, claims service, or insurance company
The information on this website is provided for general educational and informational purposes. It is not individualized legal advice.
Reading ISMIC, communicating with ISMIC, suggesting a topic, or providing information through a website form does not create an attorney-client relationship.
ISMIC does not represent you in an insurance claim or lawsuit.
Laws governing insurance claims and lawsuits can depend on jurisdiction, policy language, claim type, facts, deadlines, court decisions, statutes, regulations, and other circumstances. Information on ISMIC should not be treated as a substitute for advice from a qualified lawyer concerning a particular situation.
ISMIC does not tell readers whether they should sue their insurance company.
A lawsuit may make sense for one policyholder and not another. ISMIC's purpose is to provide information and perspective that may help readers understand the decision and the process that may follow.
ISMIC tries to provide useful and accurate information, but laws, regulations, court decisions, insurance practices, and other circumstances can change.
An article reflects the information and circumstances relevant when it was prepared or last updated. ISMIC does not promise that every article will reflect every later legal or factual development.
Deadlines can be particularly dependent on policy language, the type of claim or legal theory, the facts, and applicable law. Do not rely on a general discussion on this website to determine a deadline applicable to a particular claim or lawsuit.
ISMIC may offer a limited feature for readers who have already identified law firms they are considering and would like ISMIC's help evaluating those choices.
The feature asks a predetermined set of questions. It is intentionally not designed to collect a detailed description of your insurance claim or potential lawsuit, and it does not allow document uploads.
Please provide only the information requested.
ISMIC may use the answers you provide to offer observations or information that may help you compare the law firms you identified. That assistance is educational and does not constitute legal advice, legal representation, or a guarantee that a particular lawyer or law firm is appropriate for you.
ISMIC does not contact a law firm on your behalf through this feature. ISMIC does not provide the law firms—or anyone else—with your identity, email address, answers, or other information submitted through the feature.
You remain responsible for contacting any lawyer or law firm you wish to consider, evaluating that lawyer or firm, deciding whether to hire counsel, and reviewing and agreeing to the terms of any engagement.
ISMIC does not currently receive referral fees or other compensation based on whether you hire a law firm discussed through this feature.
Examples, observations, experiences, and discussions of insurance claims, settlements, lawsuits, lawyers, or law firms on ISMIC do not promise or guarantee that another policyholder will have the same experience or obtain the same result.
If you submit information through an ISMIC form, you agree to provide information that you have the right to provide.
When using the law-firm-comparison feature, do not submit information beyond what the form specifically requests and do not attempt to transmit documents or confidential communications through another field or mechanism.
Providing information to ISMIC does not make ISMIC your lawyer and does not create an attorney-client relationship or attorney-client privilege.
If you suggest a topic for a future ISMIC article, ISMIC LLC may use the suggestion without compensation or attribution.
Submitting a suggestion does not give you any ownership interest in an article or other content ISMIC LLC may later create concerning that subject.
Unless otherwise indicated, the articles, original text, graphics, design elements, ISMIC name and branding, and other original material on this website are owned or licensed by ISMIC LLC and are protected by applicable intellectual-property laws.
You may read, print, or save ISMIC materials for your personal, noncommercial use.
You may link to ISMIC articles and quote reasonable portions of ISMIC content with attribution to ISMIC and a link to the original article, subject to applicable law.
You may not reproduce, republish, sell, distribute, or commercially exploit substantial portions of ISMIC's original content without permission, except as permitted by applicable law.
You may not use this website to:
The website and its content are provided on an “as is” and “as available” basis.
To the extent permitted by law, ISMIC LLC disclaims warranties concerning the website and its content, including warranties of accuracy, completeness, availability, or fitness for a particular purpose.
Nothing in these Terms excludes or limits a right or liability that cannot lawfully be excluded or limited.
To the extent permitted by applicable law, ISMIC LLC and its officers, members, employees, and agents will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or relating to your use of, inability to use, or reliance on this website or its general educational content.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.
ISMIC's collection and use of personal information through the website is described in its Privacy Policy.
ISMIC LLC may change these Terms as the website or its services change. Revised Terms will be posted on the website with a new effective date.
Your continued use of the website after revised Terms are posted means the revised Terms will apply to your subsequent use of the website.
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.
Any lawsuit arising out of or relating to these Terms or your use of the website must be brought in the state courts located in Los Angeles County, California, or, if the lawsuit is within federal jurisdiction, in the United States District Court for the Central District of California. You consent to the personal jurisdiction of those courts for purposes of any such lawsuit.
Questions concerning these Terms may be sent to:
